Guadalupe County, Texas: commercial real estate data.
Guadalupe County, Texas has a population of 183,642 across 711 square miles, up 13.0 percent since the 2020 census base. County output reached $14.55 bn in 2024, 2,768 establishments operate here, and the SBA record carries 165 7(a) approvals worth $123.3 m.
128 sourced county values · tier FULL · 12 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Guadalupe County
How many people live in Guadalupe County
- Population183,642
- Households65,424
- Average household size2.81
- Median household income$92,375
- Median age37.6
- Median gross rent$1,517 per month
- Median owner-occupied home value$304,400
- Home value to household income3.3 times
- Annual rent as a share of median income19.7 percent
- Adults 25 and over with a bachelor degree or higher31.4 percent
- Adults 25 and over with a graduate degree10.8 percent
- Adults 25 and over123,845
- Population under 1844,233
- Share under 1824.1 percent
- Population 65 and over27,204
- Share 65 and over14.8 percent
- Working age population, 18 to 64112,205
- Civilian labor force91,345
- Unemployment rate4.8 percent
- Labor force participation, adults 18 and over65.5 percent
- Rank by population among Texas counties28th of 254
- Rank by population among US county-equivalents373rd
Guadalupe County is the 28th largest of 254 Texas counties by population. A median home costs 3.3 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 24.1 percent against 14.8 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Guadalupe County
Is Guadalupe County's population growing?
- Population change since the 2020 census base13.00 percent
- Census 2020 base population172,712
- Births, 20242,068
- Deaths, 20241,461
- Natural change, 2024607
- Net domestic migration, 20245,249
- Net international migration, 2024282
- Total net migration, 20245,531
- Cumulative net domestic migration, 2021 to 202418,588
- Rank by growth among US county-equivalents88th
The county has grown 13.00 percent since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Guadalupe County
Where are people moving to Guadalupe County from?
- Tax returns filed by households arriving8,719
- People arriving, from those returns17,753
- Adjusted gross income arriving$592.9 m
- Net adjusted gross income movement$0
- Average income of an arriving household$68,006
- Largest single originGuadalupe County Non-migrants (62,660 households)
- Largest single destination (62,660 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Guadalupe County Non-migrants | 62,660 | 136,668 | $4.95 bn |
| Bexar County | 2,352 | 4,593 | $138.5 m |
| Other flows - Different State | 1,797 | 3,972 | $141.1 m |
| Comal County | 1,254 | 2,461 | $88.8 m |
| Other flows - South | 688 | 1,522 | $50.1 m |
| Other flows - West | 605 | 1,370 | $54.1 m |
| Hays County | 573 | 1,140 | $35.1 m |
| Other flows - Same State | 502 | 961 | $26.4 m |
The largest single source of arrivals is Guadalupe County Non-migrants, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Guadalupe County
What is the Guadalupe County economy?
- County GDP, 2024$14.55 bn
- County GDP, 2023$13.70 bn
- GDP change, 2023 to 20246.2 percent
- GDP change over five years80.7 percent
- Rank by GDP among Texas counties28th
- Rank by GDP among US county-equivalents332nd
- GDP per resident$79,208
Output grew 6.2 percent in the latest year and 80.7 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Guadalupe County
Largest employers in Guadalupe County
- Covered employment, annual average48,527
- Establishments reporting2,729
- Average annual pay$59,236
- Average weekly wage$1,139
- Sector 31-33, employment9,672
- Sector 31-33, average annual pay$70,967
- Sector 44-45, employment5,864
- Sector 44-45, average annual pay$42,362
- Sector 72, employment4,869
- Sector 72, average annual pay$25,019
- Sector 23, employment3,795
- Sector 23, average annual pay$68,895
- Sector 48-49, employment3,680
- Sector 62, employment3,144
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 9,672 | 140 | $70,967 |
| Sector 44-45 | 5,864 | 279 | $42,362 |
| Sector 72 | 4,869 | 245 | $25,019 |
| Sector 23 | 3,795 | 340 | $68,895 |
| Sector 48-49 | 3,680 | 95 | $53,550 |
| Sector 62 | 3,144 | 270 | $54,857 |
| Sector 56 | 1,624 | 146 | $54,012 |
| Sector 42 | 1,536 | 137 | $79,837 |
The largest sector is the biggest private employer group at 9,672 jobs, 19.9 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Guadalupe County
How many businesses are in Guadalupe County?
- Establishments, all industries2,768
- Employment at those establishments45,112
- Annual payroll$2.45 bn
- Establishments per 1,000 residents15.1
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Guadalupe County
Building permits in Guadalupe County
- Housing units authorised by permit, 20242,062
- Declared construction value permitted$544.5 m
- Single family units authorised1,905
- Multifamily units authorised157
- Multifamily share of units7.6 percent
- Average declared value per unit$264,071
- Units authorised per 1,000 households31.5
Multifamily is 7.6 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Guadalupe County
SBA loans in Guadalupe County (7(a) and 504)
- 7(a) approvals recorded165
- 7(a) gross approval dollars$123.3 m
- Average 7(a) approval$747,479
- Median 7(a) approval$307,500
- 10th percentile approval$50,000
- 90th percentile approval$2,272,500
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)1,607
- Jobs per approval9.7
- Distinct 7(a) lenders active57
- Distinct industries receiving approvals89
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer20.6 percent
- Loans on real estate terms34
- Loans on working capital terms, 120 months or shorter112
- Franchise loans29
- Franchise share of approvals17.6 percent
- Leading industry by approval countFull-Service Restaurants (7)
- Most active lenderThe Huntington National Bank (12)
- 504 approvals recorded48
- 504 gross approval dollars$33.7 m
- Average 504 approval$702,688
- Median 504 approval$506,000
- Distinct CDCs active5
- 504 jobs per approval9.0
- 504 jobs per million dollars approved12.7
- Most active CDCLiftFund, Inc. (16)
- 7(a) share of SBA approvals77.5 percent
- Combined SBA approval dollars$157.1 m
The average approval of $747,479 sits well above the median of $307,500, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. Only 20.6 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Guadalupe County
SBA loan default and charge-off rates in Guadalupe County
Do SBA loans in Guadalupe County get paid back?
- Loans with a final outcome recorded24
- Paid in full24
- Charged off0
- Charge off rate on resolved loans0.0 percent
- Status: Exempt from disclosure113
- Status: Paid in full24
- Status: Cancelled23
- Status: Committed, not yet disbursed5
Of the 24 loans that have reached a final outcome, 0.0 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Guadalupe County
SBA lending by place in Guadalupe County
- Places in the county with recorded lending14
- SCHERTZ, approvals54
- SEGUIN, approvals40
- CIBOLO, approvals26
- NEW BRAUNFELS, approvals19
- Marion, approvals10
- SAN MARCOS, approvals6
| Place | Approvals | Gross approval dollars |
|---|---|---|
| SCHERTZ | 54 | $40,254,500 |
| SEGUIN | 40 | $23,963,800 |
| CIBOLO | 26 | $12,509,900 |
| NEW BRAUNFELS | 19 | $24,492,000 |
| Marion | 10 | $10,494,100 |
| SAN MARCOS | 6 | $6,540,400 |
| SELMA | 2 | $780,000 |
| CANYON LAKE | 2 | $1,668,200 |
SCHERTZ accounts for 54 approvals against 40 in SEGUIN. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Guadalupe County
How large is Guadalupe County?
- Land area711 sq mi
- Rank by land area among Texas counties212th of 254
- Width, east to west40.8 mi
- Height, north to south33.2 mi
- Geographies sharing a boundary6
- Residents per square mile of land258
- Establishments per square mile3.89
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Guadalupe County
Flood risk in Guadalupe County
- Communities in the NFIP Community Status Book13
- Of those, participating in the NFIP13
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 7
- Communities carrying a CRS class3
- Radon levels in Guadalupe County, EPA zone predicted average indoor radon screening level less than 2 pCi/LZone 3
The EPA places Guadalupe County in radon zone 3, a predicted average indoor radon screening level less than 2 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. The best Community Rating System class in Guadalupe County is 7, which carries a flood insurance premium discount for policies written in that community. 100.0 percent of the county's listed communities participate in the National Flood Insurance Program, per FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved.
FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a Guadalupe County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Guadalupe County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population183,642
- Households65,424
- Average household size2.81
- Median household income$92,375
- Median age37.6
Common questions
Guadalupe County questions, answered from the record.
How many people live in Guadalupe County, Texas?
183,642, in 65,424 households, ranking 28th of 254 Texas counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Guadalupe County's population growing?
The population has grown 13.00 percent since the 2020 census base. In 2024 there were 2,068 births against 1,461 deaths, with net migration of 5,531. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Guadalupe County?
$92,375. The median owner-occupied home is valued at $304,400, which is 3.3 times income, and median gross rent is $1,517 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Guadalupe County?
2,768 establishments, employing 45,112 people with an annual payroll of $2.45 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Guadalupe County?
Average annual pay is $59,236, or $1,139 a week, across 48,527 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Guadalupe County?
165 7(a) approvals totalling $123.3 m since FY2020, across 57 lenders, with a median approval of $307,500, plus 48 504 approvals worth $33.7 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Guadalupe County get paid back?
Of the 24 loans that have reached a final outcome, 24 were paid in full and 0 charged off, a charge off rate of 0.0 percent. Loans still running are excluded, because they have not yet succeeded or failed.
How many building permits were issued in Guadalupe County?
2,062 housing units were authorised by permit in 2024, with a declared construction value of $544.5 m. Multifamily was 7.6 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Guadalupe County?
Zone 3, a predicted average indoor radon screening level less than 2 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Guadalupe County come from?
The largest single origin is Guadalupe County Non-migrants, with 62,660 households. Arriving households report an average income of $68,006 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Guadalupe County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Guadalupe County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.
Guadalupe County
Cities and places in Guadalupe.
14 Census places lie wholly or partly in Guadalupe County. 14 carry enough published place level data for a page of their own and are linked. The rest are named here and not linked, because the American Community Survey and the SBA record between them do not carry enough about them to write an honest page. A place existing is itself worth knowing, so nothing in the county is left out.
| Place | Type | Population | SBA approvals | Lies in |
|---|---|---|---|---|
| New Braunfels | city | 104,643 | 196 | 24.2 percent here, 75.8 percent Comal County |
| Cibolo | city | 35,109 | 26 | Wholly in this county |
| Seguin | city | 33,754 | 40 | Wholly in this county |
| Luling | city | 5,531 | 3 | 8.6 percent here, 91.4 percent Caldwell County |
| Redwood | CDP | 3,441 | None recorded | Wholly in this county |
| McQueeney | CDP | 2,392 | 2 | Wholly in this county |
| Geronimo | CDP | 1,507 | None recorded | Wholly in this county |
| Lake Dunlap | CDP | 1,411 | None recorded | Wholly in this county |
| Marion | city | 939 | 10 | Wholly in this county |
| New Berlin | city | 633 | None recorded | Wholly in this county |
| Santa Clara | city | 602 | None recorded | Wholly in this county |
| Zuehl | CDP | 401 | None recorded | Wholly in this county |
| Staples | city | 288 | None recorded | Wholly in this county |
| Kingsbury | city | 248 | 1 | Wholly in this county |
A further 93 SBA approvals in Guadalupe County are recorded against borrower cities that match no Census place, the largest being Schertz, Selma, Sequin. Those are postal cities and unincorporated areas rather than incorporated places, so no page claims them, and their lending is counted in this county's totals above rather than under any city.